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6E Rewards – IndiGo HDFC Bank Credit Card VS Indigo Axis Bank Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 2 May 2026

Both cards are built for the same purpose - accelerated rewards on IndiGo flights - issued by two different banks. 6E Rewards IndiGo HDFC Bank charges a lower ₹500 fee and includes a complimentary flight voucher plus a 6E Prime Add-On as welcome benefits. IndiGo Axis Bank charges a higher ₹799 fee but adds welcome and annual BluChip vouchers on top of accelerated IndiGo earnings. Since both cards earn their accelerated rate only on IndiGo bookings specifically, the practical deciding factor is usually which bank you already hold an account with, rather than a meaningful difference in the IndiGo-specific benefits themselves.

6E Rewards – IndiGo HDFC Bank Credit Card
6E Rewards – IndiGo HDFC Bank Credit Card
Indigo Axis Bank Credit Card
Indigo Axis Bank Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹799 + GST
Renewal Fee₹500 + GST
Renewal Fee₹799 + GST
Spend Based WaiverNot Applicable.
Spend Based Waiver
Foreign Transaction Fees3.5% on all foreign currency transactions.
Foreign Transaction Fees3.50% of transaction value on international transactions.
Interest Rate (APR)3.75% Per Month (45% Annually).
Interest Rate (APR)3.75% per month (55.55% per annum).

Rewards & Benefits

Welcome BonusReceive 1 complimentary flight ticket voucher worth ₹1,500 and 1 complimentary 6E Prime Add-On.
Welcome BonusEarn 1,200 IndiGo BluChips as welcome voucher upon joining.
Rewards RateEarn 2.5% on IndiGo, 2% on dining/entertainment/groceries, 1% on fuel & other spends.
Rewards Rate1 IndiGo BluChip per ₹100 on all eligible categories (base); 3 BluChips per ₹100 on IndiGo channels; 2 BluChips per ₹100 on groceries and dining.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹200 + GST for redeeming 6E Rewards.
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge AccessNo complimentary lounge access is offered.
Domestic Lounge Access1 complimentary domestic airport lounge access per quarter upon ₹50,000 spend in preceding 3 months.
International Lounge AccessNo complimentary lounge access is offered.
International Lounge Access
Travel BenefitsAccelerated 6E Rewards on IndiGo flights, complimentary flight voucher & 6E Prime Add-On.
Travel Benefits1 complimentary domestic airport lounge access per quarter upon ₹50,000 spend in preceding 3 months.
Movie BenefitsEarn 2% 6E Rewards on entertainment spends.
Movie Benefits
Dining BenefitsEarn 2% 6E Rewards on dining spends.
Dining BenefitsEarn 2 IndiGo BluChips per ₹100 spent on dining.
Golf BenefitsNot Applicable
Golf Benefits
Fuel Surcharge WaiverNo Waiver Applicable.
Fuel Surcharge Waiver1% fee applicable on cumulative fuel spends of ₹50,000 or more within a statement period (MCCs: 5983, 5541, 5542, 5172).

Security & Other

Insurance BenefitsNot Applicable
Insurance Benefits
Cash Advance Charges2.5% of amount withdrawn, min ₹500.
Cash Advance Charges2.5% of transaction (Minimum ₹500).
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

6E Rewards – IndiGo HDFC Bank Credit Card

Indigo Axis Bank Credit Card

Who is it for?

The 6E Rewards IndiGo HDFC Bank Credit Card is designed for frequent IndiGo travelers, offering accelerated 6E Rewards on flight bookings, dining, and entertainment. It comes with valuable welcome benefits like a complimentary flight voucher and 6E Prime Add-On. While it excels in travel rewards, it does not provide lounge access or fuel surcharge waivers.

Who is it for?

The IndiGo Axis Bank Credit Card is a travel-focused co-branded card designed for frequent IndiGo flyers and everyday spenders who want to convert purchases into flight rewards. It offers welcome and annual BluChip vouchers, accelerated earnings on IndiGo and dining/grocery spends, and quarterly lounge access upon meeting spend thresholds. Ideal for travelers seeking consistent airline perks and milestone bonuses, the card delivers conditional value when BluChip valuation offsets the annual fee.

Pros

Key benefits and features.

Receive a complimentary IndiGo flight ticket voucher worth ₹1,500 upon meeting criteria.

Enjoy accelerated rewards of 2.5% 6E Rewards on all IndiGo flight bookings.

Get a complimentary 6E Prime Add-On, including priority check-in and a meal.

Earn 2% 6E Rewards on grocery, dining, and entertainment spends.

Pros

Key benefits and features.

Welcome and annual renewal vouchers of 1,200 IndiGo BluChips provide immediate and recurring travel value.

Accelerated 3 BluChips per ₹100 on IndiGo channels and 2 BluChips on dining/groceries boost reward earnings.

Quarterly domestic lounge access upon ₹50,000 spend in prior 3 months enhances travel convenience.

Milestone bonuses at ₹1.5 Lakhs and ₹3 Lakhs annual spend add extra BluChip vouchers.

Cons

Key drawbacks and limitations.

The card does not provide any complimentary domestic or international lounge access.

No fuel surcharge waiver applicable, reducing overall benefits on fuel transactions.

A redemption fee of ₹200 + GST applies to all 6E Rewards redemptions.

A high foreign currency markup of 3.5% applies to all international transactions.

Cons

Key drawbacks and limitations.

Annual fee of ₹799 + 18% GST with no explicit waiver mechanism increases cost for low-frequency users.

High interest rate of 3.75% per month (55.55% p.a.) makes carrying balances expensive.

Multiple transaction-specific surcharges on fuel, wallet load, utility, education, DCC, and rent can erode value.

Redemption caps, valuation, and liquidity terms are unspecified, limiting ROI precision.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for 6E Rewards – IndiGo HDFC Bank Credit Card(opens in new tab)Apply for Indigo Axis Bank Credit Card(opens in new tab)